Do I need a financial planner?

You don't always need one, but a financial planner can be a big help when you want a clear roadmap rather than just investment picks. They're especially useful around major life changes like marriage, kids, retirement, or a windfall, when the decisions get more tangled. If your situation is straightforward and you're disciplined, you might manage well on your own. Even a one-time plan can give you direction without an ongoing commitment.